SUMMARISED CONSOLIDATED SEGMENTAL INFORMATION OPERATING SEGMENTS

R’000

Investment Products

Lending

Property Investment

Transactional Banking

Other

Total

Interest income

16,654

544,544

-

3,430

3,432

568,060

Interest expense

(70,063)

(58,577)

-

(658)

(15,631)

(144,929)

Net interest income/(expense)

(53,409)

485,967

-

2,772

(12,199)

423,131

Fee income

-

738,229

-

2,187

-

740,416

Management fee income

-

-

-

-

58,229

58,229

Other operating income

-

186,939

-

-

-

186,939

Foreign exchange gain

-

-

-

-

27,931

27,931

Net impairment charge on loans and advances

-

(294,943)

-

(1,270)

-

(296,213)

Operating expense

1,647

(832,069)

(1,880)

(3,946)

(24,745)

(860,993)

Profit/(loss) before taxation

(51,762)

284,123

(1,880)

(257)

49,216

279,440

Taxation charge

15,327

(100,381)

557

76

(14,573)

(98,994)

Profit/(loss) after taxation

(36,435)

183,742

(1,323)

(181)

34,643

180,446

Significant segment assets

Cash and cash equivalents

120,760

359,713

-

5,443

61,435

547,351

Other Financial Assets

207,359

358

-

-

-

207,717

Unsecured loans and other advances to customers

-

800,599

-

-

-

800,599

Secured loans and other advances to customers

-

220,958

-

-

220,958

Trade and other receivables

-

107,481

-

-

32,923

139,850

Property, Plant and Equipment

4

103,584

-

471

9,741

113,800

Investment property

-

-

278,185

-

-

278,185

Goodwill

-

752,699

-

-

-

752,699

Intangible assets

-

115,064

-

-

-

115,064

Significant segment liabilities

Purchase consideration payables

-

213,375

-

-

-

213,375

Fixed and notice deposits

1,098,609

-

-

-

-

1,098,609

Loans from shareholders

-

-

-

-

508,440

508,440

SEGMENTAL REPORTINGING

R’000 29 February 2016

Investment Products

Lending

Property Investment

Transactional Banking

Other

Total

Interest income

20,127

138,201

-

517

2,590

161,435

Interest expense

(49,360)

(10,597)

-

(590)

(26,978)

(87,525)

Net interest income/(expense)

(29,233)

127,604

-

(73)

(24,388))

73,910

Fee income

(2)

168,833

290

9

(4)

170,128

Management fee income

-

199,030

-

8,995

-

208,025

Net impairment charge on loans and advances

-

(72,080)

-

-

766

(71,314)

Operating expense

(3,035)

(264,515)

1,795

(8,946)

(24,724)

(304,425)

Profit/(loss) before taxation

(32,268)

124,771

1,795

(24)

641

94,915

Taxation charge

10,288

(39,782)

(7,971)

8

(204)

(37,661)

Profit/(loss) for the period

(21,980)

84,989

(6,176)

(16)

11437

57,254

Significant segment assets

Cash and cash equivalents

61,132

47,259

-

2,782

(4,766)

106,407

Other Financial Assets

231,522

358

-

-

-

231,880

Unsecured Loans and advances

-

343,749

-

-

-

343,749

Secured loans and advances

-

94,781

-

-

-

94,781

Trade and other receivables

-

88,441

-

-

45,679

134,120

Property, Plant and Equipment

4

49,210

-

1,034

11,842

62,090

Investment property

-

-

269,540

-

-

269,540

Goodwill

-

152,976

-

-

152,976

Intangible assets

-

171

-

-

-

171

Significant segment liabilities

Deposits recieved from customers

907,7053

-

-

-

-

907,705

Loans from shareholders

-

-

-

-

18,000

18,000

GEOGRAPHICAL SEGMENTS 28 February 2017

R’000

South Africa

North America

Total

Interest income

202,412

365,648

568,060

Interest expense

(107,385)

(37,544)

(144,929)

Net interest income

95,027

328,104

423,131

Fee income

299,782

440,634

740,416

Management fee income

73,167

(14,938)

58,229

Other operating income

173,783

13,156

186,939

Foreign exchange gain

27,931

-)

27,931

Net Impairment charge on loans and advances

(120,306)

(175,907)

(296,213)

Management fee income

73,167

(14,938)

58,229

Operating expenses

(403,253)

(457,740)

(860,993)

Profit before taxation

146,131

133,309

279,440

Taxation charge

(43,270)

(55,724)

(98,994)

Profit for the period

102,861

77,585

180,446

Significant segment assests

Cash and cash equivalents

232,058

315,293

547,351

Other financial assets

207,717

-

207,717

Unsecured loans and other advances to customers

395,763

404,836

800,599

Secured loans and other advances to customers

203,562

17,396

220,958

Trade and other receivables

124,531

15,319

139,850

Property, plant and equipment

58,929

54,871

113,800

Investment property

278,185

-

278,185

Goodwill

192,389

560,310

752,699

Intangible assets

171

114,893

115,064

Significant segment liabilities

Purchase consideration payable

-

213,375

213,375

Fixed and notice deposits

1,098,609

-

1,098,609

Loans from shareholders

508,440

-

508,440

The Group only had South African operations for the year ended 29 February 2016.